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{ {
I can’t make my
student loan payment.
What do I do?
Are you unemployed or just behind on your
payments? A deferment or forbearance can
briefly bring your student loan account back
into good standing. Learn how.
Tell me about a deferment!
A deferment lets you delay payments on your student loan for a period of time. You may be eligible if you’re enrolled
full-time in school, facing economic hardship, unemployed or meet other specific criteria. Deferments are situational
and may not apply to you, so contact your lender or loan servicer to discuss your situation and available options.
Tell me about a forbearance!
A forbearance will delay or reduce your payments for a period of time. If you’re willing but financially unable to make
payments (or not eligible for a deferment), you can request a forbearance. Your lender can grant a forbearance for up to
one year at a time, and a forbearance can be requested by phone.
Remember, receiving a deferment, a forbearance or a
new repayment agreement isn’t automatic. You have
to ask for it!
If you’re not sure how to contact your lender or if you have questions
about your student loan, contact the Oklahoma College Assistance
Program’s Default Prevention department at 800.358.5460 (toll free)
or wecanhelp@ocap.org.
Download deferment and forbearance
forms at www.ocap.org/Pubs_Forms/.
“Like” us on Facebook
to learn more about your
repayment options.
www.Facebook.com/
RepaymentScoop

{ {
I can’t make my
student loan payment.
What do I do?
Are you unemployed or just behind on your
payments? A deferment or forbearance can
briefly bring your student loan account back
into good standing. Learn how.
Tell me about a deferment!
A deferment lets you delay payments on your student loan for a period of time. You may be eligible if you’re enrolled
full-time in school, facing economic hardship, unemployed or meet other specific criteria. Deferments are situational
and may not apply to you, so contact your lender or loan servicer to discuss your situation and available options.
Tell me about a forbearance!
A forbearance will delay or reduce your payments for a period of time. If you’re willing but financially unable to make
payments (or not eligible for a deferment), you can request a forbearance. Your lender can grant a forbearance for up to
one year at a time, and a forbearance can be requested by phone.
Remember, receiving a deferment, a forbearance or a
new repayment agreement isn’t automatic. You have
to ask for it!
If you’re not sure how to contact your lender or if you have questions
about your student loan, contact the Oklahoma College Assistance
Program’s Default Prevention department at 800.358.5460 (toll free)
or wecanhelp@ocap.org.
Download deferment and forbearance
forms at www.ocap.org/Pubs_Forms/.
“Like” us on Facebook
to learn more about your
repayment options.
www.Facebook.com/
RepaymentScoop